RE:Senior management needs to be replacedAgreed in full , if this clown who profited by receiving performance bonuses for him and other HO cronies from illicit transactions is a joke and a drag on real TD shareholders.A man with any integrity would have resigned immediately but not our profiteering scoundrel. In fact for the upcoming fines that Shareholders will bear , Masrani should be terminated with just cause , and no Golden parachutes if not facing trial , you know like organized crime figures do when money laundering.